First, judge whether the fund can be purchased. If the fund is a high-quality target, it can be purchased if it continues to fall. If the fund is not a high-quality target, it is not recommended to buy it. The probability of continuous decline of the fund is relatively large, and it may not make money if it is bought. Whether a fund is a high-quality target mainly depends on three aspects: historical performance (high historical performance), maximum withdrawal (low maximum withdrawal) and fund manager (high investment level of fund manager).

Secondly, there are three ways to buy funds. The first way is to buy falling funds in batches. Investors can buy some positions first, the fund continues to fall, add some more, and so on. The second is fixed investment. Fixed investment is to buy funds at a fixed time and amount. Fixed investment can continuously dilute the cost during the decline. Subsequent funds rise, and investors are more likely to return to their capital or make profits. The third is selling high and sucking low. Funds mainly earn bid-ask spreads. When the net value of the fund falls to a certain proportion, investors buy it, and the fund rebounds and sells it to earn the difference.

Finally, holding the fund for a long time is meaningful for the long-term investment of the fund, and the operation cycle of the fund's ups and downs will generally be longer. It is normal for investors to lose money when they buy funds. When investors are optimistic about a fund, the probability of making money by holding it firmly is relatively high.